Understanding Insurance Coverage After a Workplace Accident

Understanding Insurance Coverage After a Workplace Accident

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Posted on: June 15, 2021

If you suffer an injury in an accident, you may have the right to file a personal injury claim against the responsible party. But what happens when that accident occurs at work? Navigating workplace injury claims can be complex, and understanding how insurance comes into play is essential.

At Bert McDowell Injury Law, we specialize in helping injured employees secure the compensation they deserve. If you’ve been in a workplace accident in Connecticut, call us at 475-252-8083 for expert legal guidance.

Understanding Workplace Accident Insurance Coverage

When an accident occurs at work, insurance coverage depends on several factors, including whether the accident involved a company vehicle, a personal vehicle, or an employer’s negligence. Let’s break down these scenarios.

Accidents in a Company Vehicle

If you are driving a company-owned vehicle and are involved in an accident while performing job duties, your employer’s commercial auto insurance policy should cover the damages.

This falls under the legal principle of vicarious liability, meaning that your employer is responsible for your actions while you are on the clock. As a result:

• The employer’s insurance typically covers property damage and injuries to third parties.
• You are usually not personally liable for damages.
• You may not need to notify your personal auto insurance provider about the accident.

However, if the responding officer includes your information in the accident report, it could still appear on your driving record. If you switch insurance policies within a few years, this may impact your future rates.

Accidents in a Personal Vehicle

If you are using your personal vehicle while performing work duties and cause an accident, the coverage situation can be more complicated. While vicarious liability may still apply, your employer’s insurance might not always cover damages. Your own auto insurance may come into play in certain situations, such as:

• Running a personal errand during work hours.
• Engaging in reckless behavior while driving for work.
• Being off the clock or commuting to and from work.
• Driving for a rideshare company like Uber or Lyft but not carrying a passenger.

If your employer tries to shift financial responsibility onto you, it’s crucial to consult an experienced attorney. Bert McDowell Injury Law can help determine whether your employer is lawfully handling your case.

Workers’ Compensation for Workplace Injuries

If you sustain an injury while performing job duties, it should be covered under workers’ compensation insurance. This applies whether the accident involves a vehicle, work equipment, or other hazards.

In Connecticut, employers with one or more employees must carry workers’ compensation insurance. This coverage typically includes:

• Medical expenses (doctor visits, surgery, medication, rehabilitation, etc.).
• Lost wages if you are unable to work due to injury.
• Temporary or total disability benefits for extended recovery periods.
• Travel costs for medical appointments.

Workers’ compensation claims can be challenging to navigate. If you need assistance, our team at Bert McDowell Injury Law is ready to help. Call 475-252-8083 for a free case evaluation.

How to File a Workers’ Compensation Claim

If you’ve been injured at work, follow these steps to protect your rights:

1. Report the injury to your employer immediately.
2. Seek medical attention and document all treatments.
3. File a workers’ compensation claim as soon as possible.
4. Consult a workers’ compensation attorney to ensure your claim is handled properly.

Workers’ Compensation Deadlines in Connecticut

Connecticut law requires injured employees to file a workers’ compensation claim within one year of the accident. Missing this deadline could jeopardize your ability to recover compensation.

Contact a Connecticut Workers’ Compensation Lawyer Today

At Bert McDowell Injury Law, we have extensive experience handling workers’ compensation claims. We offer a free consultation to discuss your case and provide expert legal advice.

Call 475-252-8083 today or fill out our online form to get started. We are dedicated to fighting for your rights and ensuring you receive the compensation you deserve!